Yes, Kowal Investment Group is a Fiduciary!
Over 30 years ago, Kowal Investment Group was founded on the principle that the client always comes first. Since its inception, Kowal Investment Group has acted under a fiduciary standard of care, elevating our client’s needs before our own. Our firm is governed by strong values of respect, honesty and communication, which serve as the foundation for the success of our team and our clients. Because of our true client-focused philosophy, our clients can turn to us with confidence to help find the options best suited for their needs to help secure the financial future they’ve worked so hard to achieve.
What is a Fiduciary?
A fiduciary is a person or legal entity that has the power and responsibility of acting for another in situations requiring total trust, good faith and honesty. A fiduciary duty is the highest standard of care. It entails always acting in your beneficiary’s best interest, even if doing so is contrary to yours. We feel that not all advisors today operate as fiduciaries.
How Do I Know Who to Trust?
With an ever-increasing number of investment advisors promising that they can help you plan for retirement, it’s often difficult to know who to believe. You need a partner you can trust to help navigate the ins and outs of retirement planning. In our opinion, some financial advisors are just now implementing a fiduciary standard of care because of the new rule. But, at Kowal Investment Group we’ve always operated under a fiduciary standard of care, providing a fee-based structure and maintaining personal relationships with our clients to provide the capabilities, resources and team you need to help reach your goal.
Our Approach
We take a fee-based, personalized approach to our relationships, spending time to get to know our clients personally before becoming their advisors. Our team has been instrumental in shaping the post-work retirement picture for thousands of families in southeastern Wisconsin. As always, our focus remains on selecting investments that we believe will give you the best chance of meeting your goals and strengthening your long-term financial plan.
Should you have any questions about your financial plan or about our approach as fiduciary financial advisors, please feel free to call us at 262-522-4040.
In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. These additional considerations, as well as the fee schedule, are listed more fully in the Investment Advisory Agreement and the Kowal Investment Group Wrap Fee Program Brochure & Brochure Supplement for Kowal Investment Group’s Form ADV Part 2A.
Keep in mind investing always involves risk and you may incur a profit or loss. Past performance is not indicative of future results. No investment strategy can guarantee success.